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	<title>Portland Mortgage Broker</title>
	<link>http://www.portlandmortgagebroker.net</link>
	<description>Greg Downey, Portland Mortgage Broker and Home Loan Professional</description>
	<pubDate>Thu, 29 Jan 2009 06:35:15 +0000</pubDate>
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		<title>The 4.5% rate is here!</title>
		<link>http://www.portlandmortgagebroker.net/the-45-rate-is-here.html</link>
		<comments>http://www.portlandmortgagebroker.net/the-45-rate-is-here.html#comments</comments>
		<pubDate>Sat, 10 Jan 2009 05:06:09 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
		
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/the-45-rate-is-here.html</guid>
		<description><![CDATA[It&#8217;s elusive, but available to the patient amongst us. Twice in the last six weeks - once on December 17, and again yesterday - rates dipped down low enough to snag 4.5% with only a 1% origination fee. They only stayed there for a couple of hours each time before rapidly climbing back up again, [...]]]></description>
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		<title>Changes to FHA for 2009</title>
		<link>http://www.portlandmortgagebroker.net/changes-to-fha-for-2009.html</link>
		<comments>http://www.portlandmortgagebroker.net/changes-to-fha-for-2009.html#comments</comments>
		<pubDate>Sat, 03 Jan 2009 05:00:35 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
		
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/changes-to-fha-for-2009.html</guid>
		<description><![CDATA[Where would we be right now without the FHA tool in our bag? This is the most diverse loan product available on the market today, and fits a multitude of different borrower profiles from folks with significant credit challenges or even no credit at all to those with stellar credit but small savings accounts. Statistics [...]]]></description>
		<wfw:commentRss>http://www.portlandmortgagebroker.net/changes-to-fha-for-2009.html/feed/</wfw:commentRss>
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		<title>2009 is upon us. Do we pop the champagne cork?</title>
		<link>http://www.portlandmortgagebroker.net/2009-is-upon-us-do-we-pop-the-champagne-cork.html</link>
		<comments>http://www.portlandmortgagebroker.net/2009-is-upon-us-do-we-pop-the-champagne-cork.html#comments</comments>
		<pubDate>Tue, 30 Dec 2008 23:26:25 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
		
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/2009-is-upon-us-do-we-pop-the-champagne-cork.html</guid>
		<description><![CDATA[As we enter a new year, I can’t decide if I want to jump on the prediction band wagon like everybody else or just wish everyone a happy new year and let it be. Maybe a little bit of both is in order. Particularly for homeowners or prospective homeowners, it’s hard to fathom a happy [...]]]></description>
		<wfw:commentRss>http://www.portlandmortgagebroker.net/2009-is-upon-us-do-we-pop-the-champagne-cork.html/feed/</wfw:commentRss>
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		<title>Part II - fixing Sarbanes-Oxley</title>
		<link>http://www.portlandmortgagebroker.net/part-ii-fixing-sarbanes-oxley.html</link>
		<comments>http://www.portlandmortgagebroker.net/part-ii-fixing-sarbanes-oxley.html#comments</comments>
		<pubDate>Thu, 13 Nov 2008 22:07:37 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
		
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/part-ii-fixing-sarbanes-oxley.html</guid>
		<description><![CDATA[Last week, I wrote about rule 157 of the Sarbanes-Oxley Act (SOX) and how it plays a significant role in what our nation’s best lenders are writing off as losses today. Now, I’d like to finish up with what I think is the best solution to this problem. 
To recap last week’s post, SOX was [...]]]></description>
		<wfw:commentRss>http://www.portlandmortgagebroker.net/part-ii-fixing-sarbanes-oxley.html/feed/</wfw:commentRss>
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		<title>Negative equity as of 3rd quarter, 2008 - how are we faring?</title>
		<link>http://www.portlandmortgagebroker.net/negative-equity-as-of-3rd-quarter-2008-how-are-we-faring.html</link>
		<comments>http://www.portlandmortgagebroker.net/negative-equity-as-of-3rd-quarter-2008-how-are-we-faring.html#comments</comments>
		<pubDate>Tue, 11 Nov 2008 19:16:22 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
		
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/negative-equity-as-of-3rd-quarter-2008-how-are-we-faring.html</guid>
		<description><![CDATA[This morning I read an article on CNBC that really piqued my interest, and I set out on a mission to determine just what it meant to my clients and myself who own properties throughout the Portland &#038; Vancouver areas. The article had to do with the recently completed Negative Equity Data Report by real [...]]]></description>
		<wfw:commentRss>http://www.portlandmortgagebroker.net/negative-equity-as-of-3rd-quarter-2008-how-are-we-faring.html/feed/</wfw:commentRss>
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		<title>How is Sarbanes-Oxley costing us our sanity?</title>
		<link>http://www.portlandmortgagebroker.net/how-is-sarbanes-oxley-costing-us-our-sanity.html</link>
		<comments>http://www.portlandmortgagebroker.net/how-is-sarbanes-oxley-costing-us-our-sanity.html#comments</comments>
		<pubDate>Sat, 08 Nov 2008 19:54:31 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
		
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/how-is-sarbanes-oxley-costing-us-our-sanity.html</guid>
		<description><![CDATA[This is going to be one of my longest blog posts ever, but I think it’s critical that we understand what’s going on in our markets today so we can appropriately devise a long-term solution. We “solved” this problem once before in 2002, and made it only five years to the next bear market.
Following the [...]]]></description>
		<wfw:commentRss>http://www.portlandmortgagebroker.net/how-is-sarbanes-oxley-costing-us-our-sanity.html/feed/</wfw:commentRss>
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		<title>Why are we letting lawmakers determine how to save our economy?</title>
		<link>http://www.portlandmortgagebroker.net/why-are-we-letting-lawmakers-determine-how-to-save-our-economy.html</link>
		<comments>http://www.portlandmortgagebroker.net/why-are-we-letting-lawmakers-determine-how-to-save-our-economy.html#comments</comments>
		<pubDate>Fri, 26 Sep 2008 18:59:02 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
		
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/why-are-we-letting-lawmakers-determine-how-to-save-our-economy.html</guid>
		<description><![CDATA[I think the title question says it all. We’ve heard from Treasury Secretary Paulson and Fed President Bernanke, both having proved themselves to be very creative problem-solvers and judicious managers of money, who say immediate implementation of this $700 billion plan is our best shot at protecting an ailing U.S. economy and financial system from [...]]]></description>
		<wfw:commentRss>http://www.portlandmortgagebroker.net/why-are-we-letting-lawmakers-determine-how-to-save-our-economy.html/feed/</wfw:commentRss>
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		<title>House Passes H.R. 6694, Saving Down Payment Assistance!</title>
		<link>http://www.portlandmortgagebroker.net/house-passes-hr-6694-saving-down-payment-assistance.html</link>
		<comments>http://www.portlandmortgagebroker.net/house-passes-hr-6694-saving-down-payment-assistance.html#comments</comments>
		<pubDate>Tue, 23 Sep 2008 15:10:28 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
		
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/house-passes-hr-6694-saving-down-payment-assistance.html</guid>
		<description><![CDATA[Amidst all the talk of bailouts and the major housing market problems we read about daily in the news, an important bill has quietly made its way through the House of Representatives and is now awaiting Senate approval. This bill is H.R. 6694 - a relatively short (6 pages) bill that seeks to reinstate seller-funded [...]]]></description>
		<wfw:commentRss>http://www.portlandmortgagebroker.net/house-passes-hr-6694-saving-down-payment-assistance.html/feed/</wfw:commentRss>
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		<item>
		<title>The return of Down Payment Assistance?</title>
		<link>http://www.portlandmortgagebroker.net/the-return-of-down-payment-assistance.html</link>
		<comments>http://www.portlandmortgagebroker.net/the-return-of-down-payment-assistance.html#comments</comments>
		<pubDate>Wed, 17 Sep 2008 22:23:50 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
		
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/the-return-of-down-payment-assistance.html</guid>
		<description><![CDATA[Supporters of the controversial seller-funded downpayment assistance program rallied in Washington on Wednesday, calling on Congress to pass a bill that would save DPA from being eliminated Oct. 1.  The Oct. 1 ban &#8212; signed into law July 30 as part of the Housing and Economic Recovery Act of 2008 &#8212; has mobilized community [...]]]></description>
		<wfw:commentRss>http://www.portlandmortgagebroker.net/the-return-of-down-payment-assistance.html/feed/</wfw:commentRss>
		</item>
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		<title>Lehman bankruptcy, Fannie/Freddie takeover, DOW down 8% in 3 days&#8230;what next?</title>
		<link>http://www.portlandmortgagebroker.net/lehman-bankruptcy-fanniefreddie-takeover-dow-down-8-in-3-dayswhat-next.html</link>
		<comments>http://www.portlandmortgagebroker.net/lehman-bankruptcy-fanniefreddie-takeover-dow-down-8-in-3-dayswhat-next.html#comments</comments>
		<pubDate>Wed, 17 Sep 2008 22:22:34 +0000</pubDate>
		<dc:creator>Greg</dc:creator>
		
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://www.portlandmortgagebroker.net/lehman-bankruptcy-fanniefreddie-takeover-dow-down-8-in-3-dayswhat-next.html</guid>
		<description><![CDATA[We’ve had an extraordinarily volatile couple of weeks, with several high-profile bankruptcies and government takeovers deflating any last sense of investor confidence on Wall Street. It’s time to comment on these events, and to the degree they impact the cost that you as a homebuyer will ultimately end up paying for your mortgage. 
First, let’s [...]]]></description>
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